Abstract: A system for intelligent recurring transaction processing and fraud detection comprises an artificial intelligence (AI) platform including machine learning (ML) models that are in communication with server computers. The servers access historical payment transaction data from a transaction database to train the ML models to predict future recurring transactions. The servers receive an authorization request from an acquirer for a payment transaction by a cardholder using a payment device, process the authorization request to the issuer and transmit a response. Transaction data from the authorization request is input into the ML models to predict whether the payment transaction comprises a recurring payment transaction and if so, determine a predicted date of a next recurring transaction. An API call is initiated to the issuer with transaction attributes regarding the next recurring payment transaction prior to the predicted date, and the issuer sends an alert message directly to the cardholder.

Abstract: Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate.

Abstract: Embodiments of the invention are directed to methods and systems for software module binding. Cryptographic keys and challenge elements can be exchanged between a first software module and a second software module to create a binding between the first software module and the second software module. As a result, a first software module can securely and authentically access sensitive data and functionality at a second software module, while unauthorized software modules can be prevented from accessing the sensitive data and functionality.

Abstract: Methods and systems disclosed herein relate to providing a receiving entity with a package of assertions. A package of assertions may include a group of yes or no statements (e.g., as an answer to a question). Alternatively, or additionally, a package of assertions may comprise a clustered assertion, which is a singular yes or no statement, that is itself based on a set of underlying assertions made using information from one or more sources. A particular type of package of assertions may be selected based on the relying entity requesting the assertions, based on an assertions model. The package of assertions may be cryptographically secured.

Abstract: Provided is a system for conducting a payment transaction involving payment on delivery in real-time. The system may include at least one processor programmed or configured to receive transaction data associated with a payment transaction involving a merchant and a customer at a location that is independent of a merchant location, determine a financial institution of a plurality of financial institutions based on the transaction data associated with the payment transaction, communicate data associated with a request for authorization of the payment transaction involving the merchant and the customer, receive an indication of authorization of the payment transaction involving the merchant and the customer, and communicate data associated with authorization of the payment transaction involving the merchant and the customer. A method and computer program product are also provided.

Abstract: A computing device may be configured to receive a set of inputs from other computing devices. The set of inputs may include inputs derived by the computing devices utilizing cryptographic keys of the computing devices. The set of inputs may be stored in a blockchain such that the inputs are tamper resistant. A symmetric key may be generated (periodically, upon expiration of a timer, according to a protocol set, upon request, etc.) from two or more of the set of inputs. The generated symmetric key may be distributed to the computing devices. The symmetric key may be utilized to encrypt and decrypt communications between two computing devices.

Abstract: An integrated communications network may be integrated with existing payment systems to provide for more efficient and secure payment related communications. The integrated communications network may use mobile network protocol encapsulation to provide more efficient, faster, and more robust payment related communications to a payment processor across a mobile network. The integrated communications network may implement a location-aware network communications system that may allow a payment processor to obtain additional information about a consumer using a location-aware header of a network communication.

Abstract: A method is disclosed. The method includes receiving, from a user computer that is a party to a transaction, information that can be used to identify a transaction between the user computer and a resource provider computer. The method further includes determining one or more attributes. The method additionally includes presenting a first question based on the one or more attributes. The method also includes receiving a response to the first question, presenting a second question based on the received response, and receiving a response to the second question. The method further includes storing the received responses in a data storage element, wherein the data storage element is accessible by an authorizing entity computer.

Abstract: A method is disclosed. The method comprises receiving, by a virtual terminal, virtual terminal configuration data from a virtual terminal configuration data source via a virtual terminal configurations API. The method also includes transmitting, by virtual terminal, to a device reader, a value, and receiving, by the virtual terminal, access data from a user device via the device reader. The method further includes transmitting, by the virtual terminal, a transaction request comprising at least the value and the access data to a transaction platform via a transaction API, and receiving, by the virtual terminal, a transaction response from the transaction platform via the transaction API.

Abstract: Cryptocurrencies may be used within the current Four Party Model to settle transactions between a merchant and a consumer who may use or accept fiat and/or cryptocurrency. An intermediary wallet entity may assume the risk of cryptocurrency transactions. For example, a fiat-fiat transaction may follow the usual settlement process of the Four Party Model. In a crypto-crypto transaction, settlement may occur in real time. But in a fiat merchant/crypto customer transaction, settlement may be made from the customer's crypto wallet to an intermediary wallet. Fiat settlement would then occur between the intermediary and merchant following the Four Party Model. In a crypto merchant/fiat customer transaction, a transfer may be made from the intermediary wallet to the merchant's crypto wallet. Fiat settlement between the customer's bank (issuer) and intermediary can happen in the usual settlement process.

Abstract: Computer-implemented systems and methods are disclosed herein for use within secure multi-party computation. A system and method are used for storing an operation preference and a cryptographic preference. A data set is stored based on the operation preference and the cryptographic preference. A determination is made that processing the query involves performing an allowable operation on the data set based on the operation preference.

Abstract: An automation computer can receive a set of instructions pertaining to a transaction. The automation computer can generate a request to generate and activate a virtual account, where the virtual account is associated with a transaction value and a transaction amount. The virtual account can be managed by an authorization computer that can load a transaction value onto the virtual account in an amount equal to the transaction amount. The authorization computer managing both issuer and acquirer functionality in a transaction settlement can settle the transaction rapidly using the loaded virtual account by depositing the transaction value associated with the virtual account directly into an account of a resource provider.

Abstract: Enhanced techniques for communicating with an integrated circuit chip card are disclosed. An integrated circuit chip card may include a processor, a memory storing a plurality applications executable by the processor, an input/output (I/O) interface, and a network interface coupled to the (I/O) interface. The network interface may implement a plurality of logical ports, and the network interface can be configurable to select between multiple communication protocols to communicate with an external device in a socket communication mode. The network interface can be configured to establish a plurality of communication channels between the external device the integrated circuit chip card using the plurality of logical ports, and each of the communication channels may support communication with one of the plurality of applications.

Abstract: A method including obtaining, by a key management computer, a key rotation period based on at least an adversarial storage limit. The key management computer can then generate a first cryptographic key. The key management computer can then generate a second cryptographic key to replace the first cryptographic key according to the key rotation period.

Abstract: “Updatable” private set intersection (PSI) protocols allow parties that each have an updatable private set to determine the intersection of their sets after an update without the need to compare each element of each set and without compromising privacy. In some protocols, a first party can determine an update to the intersection by determining an intersection of elements that were previously in the first party's set with elements that were added to the second party's set and determining an intersection of elements that were added to the first party's set with elements that are in the second party's (updated) set. In some protocols, both parties can determine the updated intersection.

Abstract: Provided is a method for classifying information technology (IT) service request messages. The method may include receiving data associated with an IT service request message, determining a plurality of number values associated with a plurality of characters included in the IT service request message, generating a vector that includes index values, generating a first bitmap based on generating the vector, generating a second bitmap based on the first bitmap, where the second bitmap has a first dimension and a second dimension, and where the first dimension and the second dimension are equal, and determining a classification of the IT service request message using a neural network algorithm. A system and computer program product are also disclosed.

Abstract: Described herein is a platform and method for generating a terminal location from transaction data. In some embodiments, location data is periodically provided to a service computer from multiple mobile devices. Additionally, transaction data related to terminals may be provided to the service provider by one or more entities. The service provider may be configured to match records in the received transaction data to records in the received location data to identify a set of potential terminal locations. In some embodiments, the set of potential terminal locations may be filtered according to one or more criteria. A terminal location may subsequently be approximated from the set of potential terminal locations.

Abstract: Provided is a method including determining a combined plurality of accounts, determining, for each account of the combined plurality of accounts, aggregate transaction data associated with a plurality of transactions involving the account; determining a first cohort level group including a group of exposed accounts and controls accounts; determining a first segment level group of accounts from the first cohort level group of accounts; generating a prediction model based on a plurality of control accounts that are included in the first segment level group of accounts; identifying a first exposed account of a plurality of exposed accounts; determining a first control account of the plurality of control accounts that corresponds to a first exposed account using the prediction model; and outputting a report comprising data associated with the first control account that corresponds to the first exposed account. Systems and computer program products are also provided.

Abstract: A method and system are provided for transferring digital assets in a digital asset network. Network users can be centrally enrolled and screened for compliance. Standardized transfer processes and unique identifiers can provide a transparent and direct transfer process. Digital assets can include sufficient information for ensuring that a value will be provided, including one or more digital signatures, such that value can be made immediately available to recipients.

Abstract: When a merchant fails to provide payment service details, a system matches in real time information from a data processor with data from the payment service to allow matching a request from the payment system to a particular transaction. The matching system may use high speed buffers and hardware logic to rapidly match related data from different sources at speeds of thousands a second or more. This allows characterization of the transaction for recognition of current offers applicable to the transaction as well as generation of future offers.